There are many banks and credit union that have different down payment requirements.

Start at the top of the list and call all of the Credit Unions and local/regional banks.

Same story for the cap rate, this varies market-to-market and depends wholly on the building characteristics and credit of the tenant.

Some people consider a loan from the bank using "other people's money" or a credit card advances as "other people's money" but really it's your debt that you owe, interest you will pay, etc.  

From beginning to end and a way to track historical data.

The two risk factors listed were "Borrower Track Record" and "Local Market", both of which scored "Low Risk".

Seems like the person who will rent it from you doesn't have credit otherwise they would have bought it on own.

One bank doesn't do house/realestate loans but allows an interest only line of credit for 2 years. 3 have property loans attached to them.

I'm using a line of credit to buy them.

Still building credit that was messed up during my marriage and I still have my GI BILL ..and apartment homes is how I look to create income for myself.So guys if you have any tips and leads any information to send me to point in the right decision I would be greatly appreciative!!